Nissan Sentra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

Ready to start shopping for Nissan Sentra rates? Enter your five-digit ZIP code into our FREE quote tool above.

Average auto insurance rates for a Nissan Sentra are $1,372 annually for full coverage. Comprehensive costs on average $254 a year, collision insurance costs $570, and liability costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs around $3,002. Teens receive the highest rates at up to $5,206 a year.

Average premium for full coverage: $1,372

Rate estimates by individual coverage type:

Comprehensive $254
Collision $570
Liability $390

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Sentra trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $452 for liability-only coverage to a high of $3,002 for coverage for higher-risk drivers.

Liability Only $452
Full Coverage $1,372
High Risk $3,002

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,029
Small Cities $1,441
Large Cities $1,852

These examples show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below shows average Nissan Sentra insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $778
  • Drivers who choose higher $1,000 deductibles will pay around $1,188 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,372
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,742
  • Higher-risk drivers with serious driving violations could pay upwards of $3,002
  • The cost with full coverage for a teen driver may cost $5,206 a year

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing Nissan Sentra insurance rates range from $778 to $5,206 for full coverage

Auto insurance rates for a Nissan Sentra can also vary considerably based on the trim level of your Sentra, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 138% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $560 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Nissan Sentra insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,960 on average in Michigan, Louisiana, and New York.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$130 -9.5%
Alaska $1,054 -$318 -23.2%
Arizona $1,142 -$230 -16.8%
Arkansas $1,372 -$0 0.0%
California $1,564 $192 14.0%
Colorado $1,312 -$60 -4.4%
Connecticut $1,412 $40 2.9%
Delaware $1,556 $184 13.4%
Florida $1,720 $348 25.4%
Georgia $1,268 -$104 -7.6%
Hawaii $986 -$386 -28.1%
Idaho $928 -$444 -32.4%
Illinois $1,024 -$348 -25.4%
Indiana $1,034 -$338 -24.6%
Iowa $928 -$444 -32.4%
Kansas $1,306 -$66 -4.8%
Kentucky $1,874 $502 36.6%
Louisiana $2,034 $662 48.3%
Maine $846 -$526 -38.3%
Maryland $1,134 -$238 -17.3%
Massachusetts $1,100 -$272 -19.8%
Michigan $2,388 $1,016 74.1%
Minnesota $1,148 -$224 -16.3%
Mississippi $1,644 $272 19.8%
Missouri $1,218 -$154 -11.2%
Montana $1,476 $104 7.6%
Nebraska $1,084 -$288 -21.0%
Nevada $1,648 $276 20.1%
New Hampshire $990 -$382 -27.8%
New Jersey $1,536 $164 12.0%
New Mexico $1,218 -$154 -11.2%
New York $1,448 $76 5.5%
North Carolina $790 -$582 -42.4%
North Dakota $1,126 -$246 -17.9%
Ohio $950 -$422 -30.8%
Oklahoma $1,412 $40 2.9%
Oregon $1,260 -$112 -8.2%
Pennsylvania $1,310 -$62 -4.5%
Rhode Island $1,834 $462 33.7%
South Carolina $1,246 -$126 -9.2%
South Dakota $1,158 -$214 -15.6%
Tennessee $1,204 -$168 -12.2%
Texas $1,656 $284 20.7%
Utah $1,016 -$356 -25.9%
Vermont $940 -$432 -31.5%
Virginia $822 -$550 -40.1%
Washington $1,060 -$312 -22.7%
West Virginia $1,260 -$112 -8.2%
Wisconsin $952 -$420 -30.6%
Wyoming $1,224 -$148 -10.8%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Nissan Sentra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Sentra 2 $1,288 $107
Nissan Sentra 2.0 S $1,360 $113
Nissan Sentra 2.0 SR $1,360 $113
Nissan Sentra 2.0 SL $1,416 $118
Nissan Sentra SE-R $1,416 $118
Nissan Sentra SE-R SPEC V $1,458 $122

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Nissan Sentra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Sentra $266 $594 $372 $1,390
2023 Nissan Sentra $254 $570 $390 $1,372
2022 Nissan Sentra $244 $566 $398 $1,366
2021 Nissan Sentra $236 $552 $416 $1,362
2020 Nissan Sentra $228 $530 $430 $1,346
2019 Nissan Sentra $216 $512 $442 $1,328
2018 Nissan Sentra $206 $474 $452 $1,290
2017 Nissan Sentra $198 $446 $456 $1,258
2016 Nissan Sentra $190 $400 $460 $1,208
2015 Nissan Sentra $178 $368 $460 $1,164
2014 Nissan Sentra $172 $346 $464 $1,140
2013 Nissan Sentra $168 $322 $474 $1,122
2012 Nissan Sentra $156 $300 $474 $1,088
2011 Nissan Sentra $150 $272 $478 $1,058
2010 Nissan Sentra $140 $248 $474 $1,020
2009 Nissan Sentra $132 $226 $474 $990
2008 Nissan Sentra $128 $202 $468 $956
2007 Nissan Sentra $126 $198 $460 $942
2006 Nissan Sentra $124 $188 $452 $922
2005 Nissan Sentra $114 $180 $446 $898

Rates are averaged for all Nissan Sentra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Nissan Sentra Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a condensed summary of the primary concepts that were illustrated above.

  • Drivers can save as much as $170 per year just by quoting early and online
  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,630 more each year for auto insurance
  • Increasing deductibles could save up to $550 each year
  • Teenage drivers are charged the highest rates, costing as high as $434 per month if full coverage is included

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

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What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Nissan Sentra 4 DR FWDN/RN/RN/RN/R
2019 Nissan Sentra SR Turbo 4 DR FWDN/RN/R5 stars4 stars
2019 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2019 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2018 Nissan Sentra Turbo 4 DR FWDN/RN/RN/RN/R
2018 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2018 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2017 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2017 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2016 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision20%
Property Damage7%
Comprehensive-19%
Personal Injury58%
Medical Payment79%
Bodily Injury41%

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.

References

  1. https://www.iihs.org/ratings/vehicle/nissan/sentra-4-door-sedan/2020

Rates by Driver Age

Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $5,206
20 $3,224
30 $1,432
40 $1,372
50 $1,258
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,742
$250 $1,568
$500 $1,372
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,372
50/100 $1,536
100/300 $1,634
250/500 $1,887
100 CSL $1,575
300 CSL $1,790
500 CSL $1,946

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,434
20 $5,136
30 $3,066
40 $3,002
50 $2,868
60 $2,846

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $198

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $90
Paid in Full/EFT $65
Advance Quote $70
Online Quote $97
Total Discounts $594
Rate after discounts $778

Discounts are estimated and may not be available from every company or in every state.

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